First time home buyers in Texas make an average income of $60,000 & a credit score of 710, just lower than the national average.  Texans shell out a down payment of $12,000, just $3,000 less than the national average.  Buyers across the country plan to stay in the house for around 9 years.  The low inventory of homes is affecting 1st-time buyers the most, but millennials are still gaining traction as the largest group of homebuyers in the nation.